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Q3Y17 Performance
Business summary..
Financial performance for Q3 & 9MFY17
Asset quality.
Diversified source of funding......
Geographic Presence
Expanding footprint...
Region-wise loan book..
Annexure
2
Earnings Presentation February 2017
Repco Home Finance Limited
Q3FY17 Performance
4
Earnings Presentation February 2017
Q3FY17 performance
Repco Home Finance Limited
Figures in Rs million
28% 1 6%
21%
21% 1% 1%
0% 0%
Dec'16 Dec'17 Dec'16 Dec'17
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Earnings Presentation February 2017
Income and earnings growth
Repco Home Finance Limited
Figures in Rs million
-
0.0%
9MFY16 9MFY17
9MFY16 9MFY17
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Earnings Presentation February 2017
Profitability ratios
Repco Home Finance Limited
1.5%
10.0%
1.0%
5.0%
0.5%
0.0% 0.0%
9MFY16 9MFY17 9MFY16 9MFY17
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Earnings Presentation February 2017
Asset quality & provisioning
Repco Home Finance Limited
Figures in Rs Million
45.0% 43.6%
41.3%
40.0%
35.0%
30.0%
25.0%
20.0%
Dec'15 Dec'16
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Earnings Presentation February 2017
Asset quality
Repco Home Finance Limited
Movement in NPAs
3.5%
3.0% 2.6%
2.5%
2.3% 2.4%
2.5% 2.2% 2.2%
2.0% 2.0%
2.0% 1.8%
1.7%
1.5%
1.5% 1.3% 1.3%
1.6% 1.5%
1.0% 1.3% 1.3% 1.3%
1.2% 1.2%
1.4%
0.9%
0.5% 0.7% 0.8%
0.5% 0.5%
0.0%
Oct-14
Oct-15
Oct-16
Feb-14
Feb-15
Feb-16
Jun-14
Jun-15
Jun-16
Dec-13
Dec-14
Dec-15
Dec-16
Apr-14
Apr-15
Apr-16
Aug-14
Aug-15
Aug-16
Gross NPA Net NPA
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Earnings Presentation February 2017
Mix/Product-wise asset quality
Repco Home Finance Limited
Figures in Rs million
4.0%
3.6%
3.5%
3.0% 3.1% Product / Mix GNPA
3.0% 2.6%
2.5% 2.3% 2.4% Housing Loan 1,521
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Earnings Presentation February 2017
Mix/Product-wise asset quality (before regulatory forbearance)
Repco Home Finance Limited
Figures in Rs million
6.0% 5.5%
GNPA before regulatory
5.0% Product / Mix
4.2% forbearance
4.0%
3.0% 3.1% Housing Loan 2,557
3.0%
2.4% 2.3% 2.4% LAP 1,113
2.0%
1.3% 1.3% Overall 3,670
5.0%
4.2%
4.0% 3.7% 3.6% 3.7%
3.0%
2.3% 2.4%
2.0% 2.0%
2.0%
1.0%
0.0%
Housing Loan LAP Overall
Dec'16 Dec'15 Sep'16
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Earnings Presentation February 2017
Diversified borrowing profile
Repco Home Finance Limited
14
Earnings Presentation February 2017
Repco Home Finance Limited
Geographic Presence
Network Expansion
150 153
150 142
130 122
Strong presence 110
88 92
Significant presence 90
72
Recent expansion
70
54
50
30
FY10 FY11 FY12 FY13 FY14 FY15 FY16 9M
FY17
16
Earnings Presentation February 2017
Region-wise loan book
Repco Home Finance Limited
Exposure
100% 100%
Annexure
19
Earnings Presentation February 2017
Profit and loss statement
Repco Home Finance Limited
YoY Q2 QOQ 9M 9M
(Rs. million) Q3 FY17 Q3 FY16 (%) FY17 (%) FY17 FY16 YoY (%)
Income:
Revenue from operations 2,642 2,254 17% 2,596 2% 7707 6410 20%
Other Income 13 1 1421% 1 939% 16 9 75%
Total Income 2,656 2,255 18% 2,597 2% 7,722 6,420 20%
Expenses:
Interest and other Financial Charges 1,682 1,411 19% 1,597 5% 4828 4027 20%
Employee benefit expense 104 96 9% 100 5% 302 315 -4%
Depreciation and amortization
expense 8 9 -15% 9 -11% 24 29 -17%
Other expenses 51 56 -8% 55 -7% 149 146 2%
Provision for Non-Performing Assets 88 65 34% 100 -12% 358 184 94%
Contingency Provisions against
Standard Assets 7 27 -75% 25 -74% 40 68 -41%
Bad-Debts Written Off 2 0 100% 2 -7% 5 1 893%
Total Expenses 1,941 1,664 17% 1,887 3% 5,706 4,769 20%
Profit before tax 714 591 21% 710 1% 2016 1651 22%
Tax expense:
Current tax 237 198 19% 244 -3% 705 555 27%
Deferred Tax 14 6 115% 9 53% -6 17 -134%
Net Profit/(Loss) 464 386 20% 457 2% 1,317 1,079 22%
Note Other income includes Rs. 12 mn dividend received from Repco Micro Finance in Q3FY17
20
Earnings Presentation February 2017
Key metrics
Repco Home Finance Limited
21
Earnings Presentation February 2017
Key metrics
Repco Home Finance Limited
22
Earnings Presentation February 2017
Repco Home Finance Limited
For any Investor Relations queries, please contact:
V. Raghu, Executive Director/
Bala , Investor Relations
Repco Home Finance Limited
Phone: +91 44 42106650
Email: ed_vr@repcohome.com
bala@repcohome.com
Safe Harbor:
This presentation may have certain statements that may be forward looking including those relating to general business plans and strategy of Repco
Home Finance Ltd., (RHFL), its future outlook and growth prospects. The actual results may differ materially from these forward looking statements due
to a number of risks and uncertainties which could include future changes or developments in RHFL, the competitive environment, the companys
ability to implement its strategies and initiatives, respond to technological changes as well as sociopolitical, economic and regulatory conditions in
India.
All financial data in this presentation is obtained from the audited financial statements and the various ratios are calculated based on these data. This
presentation does not constitute a prospectus, offering circular or offering memorandum or an offer, invitation or a solicitation of any offer, to
purchase or sell, any shares of RHFL and should not be considered or construed in any manner whatsoever as a recommendation that any person
should subscribe for or purchase any of RHFLs shares. None of the projection, expectations, estimates or prospects in this presentation should be
construed as a forecast implying any indicative assurance or guarantee of future performance, nor that the assumptions on which such future
projects, expectations, estimates or prospects have been prepared are complete or comprehensive .
This presentation is for information purposes only. This document and its contents should not forwarded or delivered or transmitted in any manner to
any person other than its intended recipients, and should not be reproduced in any manner whatsoever. The recipients further represents and
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publish, disclose, redistribute or transmit this presentation, directly or indirectly, into the United States or to any U.S. person either within or outside of
recipients organisation.
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Earnings Presentation February 2017